-
Online Service update. Due to planned essential maintenance, our Online Service will not be available between the hours of 8:00 am until 6:00 pm on the 15 December. We apologise for any inconvenience this may cause.
4.99% 5 Year Fixed Rate to 31/01/2030 (XF0887)
The mortgage will be secured on your property.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Key things to bear in mind
- Purpose - Purchase and Remortgage
- Loan to Value - Maximum 60%
- Fixed Rate end date - 31/01/2030
- Application fee - £175 + Valuation Fee
- Valuation Fees (Purchase) - Full standard valuation fee scale applies
- Valuation Fees (Remortgage) - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
- Valuation Fees (Multi Unit Freehold Blocks) - A separate valuation fee scale will apply for this property type. For purchase applications, the full Multi-Unit Freehold Block valuation fee scale will apply. For remortgage applications, a discount of £330 from the Multi-Unit Freehold Block valuation fee scale applies
- ~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.4% of the loan amount
- Early Repayment Charges - 5% until 31/01/2026, 4% until 31/01/2027, 3% until 31/01/2028, 2% until 31/01/2029, 1% until 31/01/2030
- Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
- Minimum Loan - £45,000 for purchase and remortgage
- Cost for comparison - 7.7% APRC.
More downloads & what you'll need to apply
Identification
We carry out an electronic ID check on all applicants. If this fails you will need to provide us with ID documents.
Bank statements
Buy to Let applicants are normally required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.
Proof of income
A copy of the existing / proposed tenancy agreement.
Other items
Applicants are required to have an existing UK mortgage. We carry out an electronic credit check on all applicants which may show the performance of these. If this fails to show their existing mortgage(s), 12 months proof of conduct is required. To speed up our underwriting, you can provide this on submission.
Tenancy agreement
- For remortgages, a copy of the existing / proposed tenancy agreement.
Background BTLs
- Evidence of rent being paid in and mortgage being paid out (bank statements may already cover this).
Evidence of deposit for purchases
- Evidence of deposit in a UK account held by the applicant(s)
- For gifted deposits, we require a signed gift letter from the giftor plus evidence of funds in a UK account and the giftors details (names, date of births, relationship to applicants).
Offset accounts
- Offset Saver application form.
Expat applications
- Applicants are required to provide a UK contact where the Society is able to serve notice regarding the mortgage. This can be a UK Solicitor or close family member in the UK.
Applicants with four or more mortgaged Buy to Let properties
- We will treat these applications as a portfolio landlord and we require details of their full portfolio and a business plan.
Over 125 years of helping people move in
For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.
Contact our expert UK team
Existing customers
Savings - 03330 140144
savings.service@familybsoc.co.uk
Mortgages - 03330 140146
mortgage.service@familybsoc.co.uk
...or ask the way that suits you.
Request a call back
We can call you back at a time that suits you.
Visit us in branch
Ashley Square, Epsom, Surrey, KT18 5DD.
View our FAQs
Your questions might be answered here.